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My GM Rewards Card™ review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
17.99% ‐ 27.99% (Variable) (0% for the first 12 months)
Interest Rate: Purchases
17.99% ‐ 27.99% (Variable) (0% for the first 12 months)
Balance Transfer
17.99% ‐ 27.99% (Variable)
Balance Transfer
17.99% ‐ 27.99% (Variable)
4 points
4 points
Signup Bonus
15000 points (after spending $1,000)
Signup Bonus
15000 points (after spending $1,000)

Informr score
The My GM Rewards Card™ currently has an Informr score of 7.7 out of 10. This score is based on our evaluation of 5 sources including reviews from users and the web's most trusted critics.

Am I eligible?

My GM Rewards Card™ is typically available to those with excellent credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


If you currently spend thousands of dollars annually on vehicles, services, and accessories with GM — and you plan on purchasing more GM vehicles in the future — then the My GM Rewards Card may be worth a look. Even though it offers a solid return of 4x per dollar on general purchases (and 7x per do...

- Juan Ruiz, SlickDeals

The My GM Rewards Card offers points for all eligible purchases you make, and you can redeem your points for many GM-related expenses. This includes the purchase of a new GM vehicle or a certified pre-owned one and eligible services, parts, and accessories. Brands from GM include Cadillac, Chevrolet...

- Ben Walker, FinanceBuzz

This card offers a very generous rewards rate on GM spending and also on everyday purchases, but the card’s restrictive redemption program doesn’t leave you many options for rewards.

- Nouri Zarrugh,
Money Crashers
Money Crashers

The My GM Rewards Card isn’t perfect, and has enough limitations that you’ll want to think twice about applying if you’re not in the market for a GM vehicle in the next few years. But it’s absolutely great for what it is: a way to reduce the cost of car ownership now and in the future.

- Brian Martucci, Money Crashers

The My GM Rewards Card is best for true GM enthusiasts who spend a lot on vehicle maintenance or accessories or plan to upgrade to another GM vehicle every few years. This card can add value to your spending if you love taking your GM vehicle to the dealership for the purpose of adding upgrades or a...

- Holly Johnson, NextAdvisor


Interest Rates
Regular APR Interest Rate 17.99% ‐ 27.99% (Variable) (0% for the first 12 months)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 17.99% ‐ 27.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 29.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee $0.00
Cash Advance Fee $0.00
Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $40.00


Sign up bonus 15000 points after spending $1,000

On purchases within the first 3 months

All Purchases 4 points per $1 spent
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details

7 points per $1 spent on paid GM Certified Service, GM Genuine Parts and ACDelco Parts, eligible accessories, and most OnStar® and Connected Services plans

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance Yes
Concierge Service Yes
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments No
Virtual Cards No
Additional Benefits
  • Automatically earn Gold Tier status
  • Gold and Platinum Cardmembers can receive a $100 statement credit for every $1,500 spent on fuel per calendar year or a $100 statement credit for six electric bill payments per calendar year.
  • Get a $50 allowance when you use your My GM Rewards Card for vehicle detailing at a participating GM dealer every calendar year.
  • Enjoy discounts and perks including DoorDash℠, Lyft™, ShopRunner℠ and Fandango℠.
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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